Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Several fraudulent charges were made on my credit card after the balance was paid in full. Chase bank notified they investigated the charges and found I was responsible for the fraudulent charges. These were NOT my mine.
Company Response:
State: IN
Zip: 47374
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.
Company Response:
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In the early morning of XX/XX/2023 I was assaulted & robbed by two man in XXXX XXXX, NV. They stole my wallet with all cash, cards & ID 's. That same morning they used my card to make a bunch of charges at XXXX XXXX All of them {$49.00} & below. Non of the charges above {$50.00}. I filed a report with the Police on XX/XX/2023 ( attached is the Police Report, Pictures & Charges made to my bank account ) from the injuries from the assault ) I went to the Chase office in XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX & provided the police report to Chase. On XX/XX/XXXX Chase refunded the money for all the purchases made with the stolen card. But few days later on XX/XX/XXXX, the bank subtracted again all the money they had refunded me for the fraudulent charges. Chase now tells me that the purchases were made using my PIN number but that is not possible. They are telling me that it is impossible to use the card without the PIN number. The bank is not being truthful. Contactless payments don't require PIN number. I have the feeling that the reason all the charges were below {$50.00} is because most likely they were using the cards for TAP TO PAY and there must be a limit of that amount for contactless purchases without requiring a PIN. That is a obviously an issue with lack of security of the card & the bank.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: This complaint is continuation of previously filed complaint # XXXX last month on XX/XX/XXXX. Since JP Morgan just responded today by saying there was no loan under my name and have played phone tag with me since last 30 days, the complaint process is now closed, so I have decided to reopen this as a new complaint with additional loan information. See below. Loan number : XXXX Loan Origination date : XX/XX/XXXX Foreclosed : XX/XX/XXXX Name : XXXX XXXX Phone number : ( XXXX ) XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX First Modification request submitted : XX/XX/XXXX with all required documents. Second Modification request submitted : XX/XX/XXXX with all required documents Employment declined by chase after recruiting : in XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. & in XX/XX/XXXX. I took a mortgage back in XX/XX/XXXX with Washington Mutual, which was sold to Chase Bank sometime in XXXX due to the financial crises of mortgage industry. I tried numerous times to get a loan modification and Washington Mutual and Chase both refused to modify my home loan and ultimately foreclosed my home in XXXX. I had no other choice but to file for XXXX XXXX in XX/XX/XXXX to get a fresh start after my foreclosure with Chase. Ever since XXXX, I have applied three times ( in XXXX, XXXX and XXXX ) to work at Chase and after the offer letter was extended to me, I cleared the background check only to find out on all three occasion that chase would not hire me due to some red flag in their system with my social security number and previous mortgage that went into foreclosure. They rejected my employment offer on all three occasions. Chase refuses to disclose the reason why XXXX cant be hired at Chase even after re-establishing my credit. I have also applied for XXXX or XXXX card with chase or any other chase store card numerous times and every single time they have denied me credit. ( Most recent was XXXX ). Even though I have re-established my credit since my bankruptcy in XXXX and have received numerous other major Bank XXXX, Master Cards, Car Loans and departmental store credit cards and maintain a great credit history. They still refuse to extend me any type of credit including employment. I have asked them several times to provide reason for credit and Employment denial, they refuse to provide me with any explanation other than a normal credit denial letter based on XXXX, XXXX and XXXX related credit factors. I know for sure that this has nothing to do with my credit rating or credit score or my background check. Its pure credit and employment based discrimination.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/XXXX - My mother-in-law wrote me a check for {$5000.00}, and I tried to deposit into my Chase checking account. I received notice that Chase could not verify my mother-in-law 's cell phone number and they were going to hold the check in suspense, close my checking account, and mail me a cashier 's check for my remaining balance. Since my account was closed, my biweekly salary payment from my employer did not go through, I could not pay my credit card statement, and all of my autopays were denied. I repeatedly tried to call Chase 's Fraud department to see how we could verify the check. They kept saying they could not verify my mother-in-laws cell phone number. After several attempts, they finally told me the number that they were trying and it was an international number. My mother-in-law lives in the USA. When I asked how to move forward, they said that my mother-in-law and I should each go to a Chase branch and call the fraud department. We did that and each showed our driver 's license cards and verified that the check was legitimately issued by my mother-in-law. Chase denied the funds again. Four months later, the Issuing bank said that all they could do was to request the funds back and to give Chase 30-45 days to reply. By XX/XX/XXXX the funds were still not returned. I kept calling chase and they would not give me an answer. XX/XX/XXXX - Called Chase again and a representative asked to verify my mother-in-laws number again because they may have updated their verification system. They were able to verify and said that Chase would mail me an overnight cashier 's check for the {$5000.00} and to call back the following day for a tracking number on the shipment. I called back the next day and they could not provide the tracking number. Another week went by and still not check so I called chase again and they said the check was again denied because the funds were deposited into my closed account that I could not access. I called again and asked to talk to the manager and they told me that the check was not issued because the funds were returned to the issuing bank in XX/XX/XXXX. My mother-in-law and I have worked very closely with her bank and they do not recognize the funds being returned to any account. Her bank has asked me to call Chase for a reference or confirmation number so they can locate the funds. I have called chase on five separate occasions and they will NOT provide any sort of confirmation number. They repeatedly state that there is not a confirmation number associated with the funds being returned, and my mother-in-laws bank still can not see the transfer back to them. We are stuck with no resolution as Chase denies trying to help at all. They just keep telling us that the funds were returned and to have my mother-in-law 's bank ask their research department to look for it while they still will not provide any sort of confirmation number of the transfer. -Chase won't return the check -No cashier 's check was issued to me -Chase is keeping the money Please help! Thank you
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my account in full on XX/XX/XXXX. I received a bill due XX/XX/XXXX for interest charged on XX/XX/XXXX. After I paid my account in full. I called and tried to get a customer service agent to resolve it. He refused I asked to speak to a supervisor I was transferred to XXXX at XXXXXXXX XXXX on XX/XX/XXXX and she refused as well.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I have received 2 fraudulent checking acct notifications First with XXXX XXXX and the second with Chase. Both accounts were charged off but are still reporting on my credit bureau report
Company Response:
State: MS
Zip: 39194
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX Report of Fraud Dispute With Chase Bank In XXXX of XXXX I discovered that my Chase credit card had been fraudulently charged to an XXXX account on a ongoing basis from XXXX. I identified the charges by comparing my bank statements with a list of transactions from my XXXX account. I found 107 charges on my credit card that I did not make and did not appear on my XXXX account transaction list. The charges are listed and attached. All of the charges were made to Chase # XXXX. That account number was closed by Chase ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by Chase from my XXXX account through XX/XX/XXXX even though XXXX was closed. A fraud report was made by me to Chase. They claimed to have investigated and determined that all charges were legitimate. I asked them to reopen the investigation which they did and they came to the same conclusion. I then contacted XXXX and asked them to investigate one of the charges selected at random. They determined that the selected charge was indeed fraud made by someone else using another account shipping the product to another location ( see attached email from XXXX ). I asked Chase to reopen the investigation in light of this new information from XXXX. They reinvestigated and determined that the charge was legitimate. I believe that Chase is not acting in good faith. They are claiming that charges that are clearly fraudulent are in fact legitimate. They give no explanation for their conclusion and they do not report what they did to investigate.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I just want to make a complaint with Chase because It was a fraud activity on my account even though I did not make that transaction and the bank did not provide a security check with my account. On XX/XX/2023 a deposit of Tax Refund of {$1500.00} was made on the date and the bank garnished my check because of fraud activity on my account I explained that I did not make such a transaction they still made me liable for that transaction and they want me to pay the remaining balance. I believe that banks should be responsible for any fraud committed because they did not check.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A